BSE:531360

Stock Analysis Report

Executive Summary

Golechha Global Finance Limited, a non-banking finance company, provides loans and advances in India.

Snowflake

Fundamentals

Flawless balance sheet with proven track record.

Risks

  • Golechha Global Finance is not covered by any analysts.

Share Price & News

How has Golechha Global Finance's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

BSE:531360

-1.8%

IN Consumer Finance

-0.7%

IN Market


1 Year Return

-10.9%

BSE:531360

0.5%

IN Consumer Finance

-12.1%

IN Market

531360 underperformed the Consumer Finance industry which returned 0.2% over the past year.

531360 outperformed the Market in India which returned -12.1% over the past year.


Share holder returns

531360IndustryMarket
7 Day0%-1.8%-0.7%
30 Day0%-4.1%-4.6%
90 Dayn/a-1.2%-4.3%
1 Year-10.9%-10.9%1.1%0.5%-10.3%-12.1%
3 Yearn/a64.9%61.4%18.9%12.8%
5 Year-52.5%-52.5%246.0%229.7%37.6%24.7%

Price Volatility Vs. Market

How volatile is Golechha Global Finance's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Golechha Global Finance undervalued based on future cash flows and its price relative to the stock market?

8.58x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for Golechha Global Finance to establish if it is available at moderate discount.

Unable to calculate intrinsic value for Golechha Global Finance to establish if it is available at substantial discount.


Price Based on Earnings

Golechha Global Finance is good value based on earnings compared to the IN Consumer Finance industry average.

Golechha Global Finance is good value based on earnings compared to the India market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Golechha Global Finance, we can't assess if its growth is good value.


Price Based on Value of Assets

Golechha Global Finance is good value based on assets compared to the IN Consumer Finance industry average.


Next Steps

Future Growth

How is Golechha Global Finance expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

8.1%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Golechha Global Finance is high growth as no revenue estimate data is available.

Golechha Global Finance's earnings are expected to grow by 8.1% yearly, however this is not considered high growth (20% yearly).

Unable to compare Golechha Global Finance's revenue growth to the India market average as no estimate data is available.

Golechha Global Finance's earnings growth is positive but not above the India market average.

Golechha Global Finance's earnings growth is expected to exceed the low risk savings rate of 7.6%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Golechha Global Finance will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Golechha Global Finance performed over the past 5 years?

15.0%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Golechha Global Finance's year on year earnings growth rate has been positive over the past 5 years.

Golechha Global Finance's 1-year earnings growth exceeds its 5-year average (145.8% vs 15%)

Golechha Global Finance's earnings growth has exceeded the IN Consumer Finance industry average in the past year (145.8% vs 12.9%).


Return on Equity

Golechha Global Finance has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Golechha Global Finance used its assets more efficiently than the IN Consumer Finance industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Golechha Global Finance improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Golechha Global Finance's financial position?


Financial Position Analysis

Golechha Global Finance is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.

Golechha Global Finance has no long term commitments.


Debt to Equity History and Analysis

Golechha Global Finance has no debt.

Golechha Global Finance has not taken on any debt in the past 5 years.

Golechha Global Finance has no debt, it does not need to be covered by operating cash flow.

Golechha Global Finance has no debt, therefore coverage of interest payments is not a concern.


Balance Sheet

Low level of unsold assets.

Golechha Global Finance has no debt, it does not need to be covered by short term assets.


Next Steps

Dividend

What is Golechha Global Finance's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Golechha Global Finance's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Golechha Global Finance's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Golechha Global Finance has not reported any payouts.

Unable to verify if Golechha Global Finance's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Golechha Global Finance has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Golechha Global Finance's salary, the management and board of directors tenure and is there insider trading?

0.8yrs

Average management tenure


CEO

Gyan Garg (59yo)

9.2yrs

Tenure

₹240,000

Compensation

Mr. Gyan Swaroop Garg has been Managing Director of Golechha Global Finance Ltd. since June 26, 2010 and serves as its Chairman. He was Compliance Officer of Golechha Global Finance Ltd. Mr. Garg has been  ...


CEO Compensation Analysis

Gyan's remuneration is lower than average for companies of similar size in India.

Gyan's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

0.8yrs

Average Tenure

The average tenure for the Golechha Global Finance management team is less than 2 years, this suggests a new team.


Board Age and Tenure

8.8yrs

Average Tenure

56yo

Average Age

The tenure for the Golechha Global Finance board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Gyan Garg (59yo)

    Chairman & MD

    • Tenure: 9.2yrs
    • Compensation: 240.00k
  • Mihir Pal (60yo)

    CFO & Whole Time Director

    • Tenure: 0.8yrs
    • Compensation: 295.93k
  • Aditi Todi

    Company Secretary & Compliance Officer

    • Tenure: 0.2yrs

Board Members

  • Divya Garg (32yo)

    Non-Executive Director

    • Tenure: 9.3yrs
  • Durga Ramkrishnan (56yo)

    Independent Director

    • Tenure: 9.2yrs
  • Gyan Garg (59yo)

    Chairman & MD

    • Compensation: 240.00k
  • Devendra Garg (50yo)

    Independent Director

    • Tenure: 8.5yrs
  • Mihir Pal (60yo)

    CFO & Whole Time Director

    • Tenure: 1.7yrs
    • Compensation: 295.93k

Company Information

Golechha Global Finance Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Golechha Global Finance Limited
  • Ticker: 531360
  • Exchange: BSE
  • Founded: 1991
  • Industry: consumer finance
  • Sector: diversified financials
  • Market Cap: ₹37.730m
  • Shares outstanding: 5.50m
  • Website: Click here

Number of Employees


Location

  • Golechha Global Finance Limited
  • 522, Tobacco House
  • 5th Floor
  • Kolkata
  • West Bengal
  • 700001
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
531360BSE (Mumbai Stock Exchange)YesEquity SharesININRMay 2007

Biography

Golechha Global Finance Limited, a non-banking finance company, provides loans and advances in India. The company was incorporated in 1991 and is based in Kolkata, India. 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/17 12:46
End of Day Share Price2019/05/21 00:00
Earnings2019/03/31
Annual Earnings2019/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.